Members First Community Credit Union Visa Platinum Reward Credit Card Review

Members First Community Credit Union Visa Platinum Reward Credit Card is a rewards credit card issued by Members First Community Credit Union. If you're wondering whether Members First Community Credit Union Visa Platinum Reward Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Members First Community Credit Union Visa Platinum Reward Credit Card has a fixed purchase APR that ranges from 8.99% up to 19.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.80% every time you make a transaction outside the U.S.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

The Good	The Bad
Lower than average purchase APRs. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases. Members First Community Credit Union Visa Platinum Reward Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 0.80%. You don't earn rewards on every purchase.

Is there a Members First Community Credit Union Visa Platinum Reward Credit Card cash back or rewards program?

Members First Community Credit Union Visa Platinum Reward Credit Card offers a rewards program to its customers.

Members First Community Credit Union Visa Platinum Reward Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Members First Community Credit Union Visa Platinum Reward Credit Card benefits?

Members First Community Credit Union Visa Platinum Reward Credit Card provides the following benefits:

• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Members First Community Credit Union Visa Platinum Reward Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Members First Community Credit Union Visa Platinum Reward Credit Card has lower than average purchase APRs.

Members First Community Credit Union Visa Platinum Reward Credit Card has a fixed purchase APR that ranges from 8.99% up to 19.99%. The card has a fixed balance transfer APR that ranges from 8.99% up to 19.99%. It also has a fixed cash advance APR that ranges from 8.99% up to 19.99%.

What are the fees for Members First Community Credit Union Visa Platinum Reward Credit Card?

The following fees apply to Members First Community Credit Union Visa Platinum Reward Credit Card:

Members First Community Credit Union Visa Platinum Reward Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0.80%
Returned Payment Fee	up to $25
Late Payment Fee	up to $27

Does Members First Community Credit Union Visa Platinum Reward Credit Card report your account activity to credit bureaus?

Yes, Members First Community Credit Union Visa Platinum Reward Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Members First Community Credit Union Visa Platinum Reward Credit Card

• Visit the Members First Community Credit Union Visa Platinum Reward Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.